When did M&T Bank report Q3 2025 earnings?

M&T Bank (MTB) reported Q3 2025 earnings on October 16, 2025 before market open.

What were M&T Bank's Q3 2025 revenue and EPS?

M&T Bank reported revenue of $2.5B and diluted EPS of $4.87 for Q3 2025.

Did M&T Bank beat estimates in Q3 2025?

Revenue beat the consensus estimate of $2.4B by $72.3M. EPS beat the consensus estimate of $4.43 by $0.44.

How did M&T Bank's Q3 2025 results compare year-over-year?

Compared to the same quarter a year prior, revenue grew 7.8% from $2.3B a year earlier and diluted EPS grew 21.1% from $4.02.

Where can I find M&T Bank's Q3 2025 SEC filings?

You can read the 10-Q periodic report (0000036270-25-000024) directly on SEC EDGAR. The filing index links above go to sec.gov.

M&T Bank MTB Q3 2025 earnings

Reported October 16, 2025 · Before market open

Revenue$2.5BBeat by $72.3M Diluted EPS$4.87Beat by $0.44

Revenue estimate$2.4B

EPS estimate$4.43

Next report

Jul 15, 2026 (In 5 days)

Revenue estimate$2.5B

EPS estimate$4.66

Financials

Q3 2025

Income statement

See full

Revenue$2.5B+7.8%

Net income$792.0M+9.8%

EPS (diluted)$4.82+19.9%

Balance sheet

See full

Cash & equivalents$2.0B-12.0%

Total debt$17.0B+163%

Total equity$28.7B-0.5%

Total assets$211.28B-0.2%

Cash flow

See full

Operating cash flow$1.0B—

CapEx$36.0M+20.0%

Free cash flow$965.0M—

Valuation & ratios

Valuation

as of 09/30/25

See full

Market cap$30.88B+4.4%

Enterprise value$45.92B+35.7%

P/E11.1×-1.2×

P/S3.2×0.0×

Profitability

See full

Net margin28.9%+2.9pp

FCF margin41.5%+13.5pp

Returns & leverage

See full

Return on equity9.6%+1.0pp

Debt / equity0.6×+0.4×

Segments

By segment

See full

Retail Bank$1.2B-3.4%

Commercial Bank$748.0M+3.5%

Institutional Services and Wealth Management$407.0M+4.6%

All Other$110.0M+253%

By product

See full

Trust income$181.0M+6.5%

Service charges on deposit accounts$141.0M+6.8%

Merchant discount and credit card interchange fees$47.0M+14.6%

Brokerage services income$34.0M+6.3%

Versus estimates

Revenue

Q1 2026$2.4BBeat by $10.7M Q4 2025$2.5BBeat by $2.2M

Q3 2025$2.5BBeat by $72.3M

Q2 2025$2.4BBeat by $7.2M Q1 2025$2.3BMiss by $38.5M Q4 2024$2.4BBeat by $18.6M

Diluted EPS

Q1 2026$4.18Beat by $0.16 Q4 2025$4.67Beat by $0.19

Q3 2025$4.87Beat by $0.44

Q2 2025$4.28Beat by $0.29 Q1 2025$3.38Miss by $0.02 Q4 2024$3.92Beat by $0.17

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Questions, answered.

When did M&T Bank report Q3 2025 earnings?: M&T Bank (MTB) reported Q3 2025 earnings on October 16, 2025 before market open.
What were M&T Bank's Q3 2025 revenue and EPS?: M&T Bank reported revenue of $2.5B and diluted EPS of $4.87 for Q3 2025.
Did M&T Bank beat estimates in Q3 2025?: Revenue beat the consensus estimate of $2.4B by $72.3M. EPS beat the consensus estimate of $4.43 by $0.44.
How did M&T Bank's Q3 2025 results compare year-over-year?: Compared to the same quarter a year prior, revenue grew 7.8% from $2.3B a year earlier and diluted EPS grew 21.1% from $4.02.
Where can I find M&T Bank's Q3 2025 SEC filings?: You can read the 10-Q periodic report (0000036270-25-000024) directly on SEC EDGAR. The filing index links above go to sec.gov.